Luminate Bank in Kentucky vs the state
1.4%Denial rate-17.45 pts vs state
1.8%Decision denial rate-21.69 pts vs state
73.7%Origination rate+15.69 pts vs state
6.63%Median rate-0.13 pts vs state
0.50Rate spread (pts)+0.19 pts vs state
$94kMedian applicant income
435Loans originated
8Denied
What Luminate Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 166 | 119 | 1 | 0.6% |
| Kenton County | 54 | 42 | 0 | 0.0% |
| Boone County | 33 | 22 | 1 | 3.0% |
| Scott County | 29 | 24 | 0 | 0.0% |
| Campbell County | 28 | 24 | 1 | 3.6% |
| Madison County | 27 | 21 | 0 | 0.0% |
| Hopkins County | 27 | 20 | 1 | 3.7% |
| Jessamine County | 27 | 18 | 0 | 0.0% |
| Clark County | 21 | 12 | 0 | 0.0% |
| Daviess County | 19 | 9 | 2 | 10.5% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 590 applications in 2025, of which 435 were originated and 8 denied.
1.4% of all applications, or 1.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Luminate Bank originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology